Ramer, TN
Ramer wildfire risk explained
USFS scores Ramer at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 279 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramer at the 67th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
82.4% of Ramer's 279 buildings sit in USFS's Direct exposure zone, roughly 230 structures close enough to burnable vegetation for flame contact, not just embers — 17.6% fall in the Indirect, ember-only zone and 0% are Minimal.
How Ramer compares
Ramer scores 64th nationally and 56th within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Ramer ranks 11,291 for wildfire risk (1 is highest) and 22,241 by building count (1 is largest). Within Tennessee alone, it ranks 220 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
Ramer's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Ramer's 82.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Ramer's figures come from
The methodology guide shows exactly how USFS turned 279 counted buildings into the percentiles shown above for Ramer. The exposure-zones guide covers what Ramer's dominant direct exposure actually means, with real examples from across the dataset.